Wireless network access prepayment systems and methods

ABSTRACT

A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise.

CROSS-REFERENCES TO RELATED APPLICATIONS

This application is related to co-pending, commonly assigned U.S. patentapplication Ser. No. 10/675,924, entitled “ACTIVATING TELEPHONE-BASEDSERVICES USING A POS DEVICE,” filed on Sep. 29, 2003 by Christopher R.McGee, the entire disclosure of which is herein incorporated for allpurposes.

BACKGROUND OF THE INVENTION

Wireless network access is becoming increasingly common at merchantlocations and public facilities. Many coffee shops, book stores,libraries, airports, and the like, provide wireless network access totheir customers and/or facility users. Anyone with a laptop or hand heldcomputer, personal digital assistant, or the like can have Internetaccess by completing a registration process that establishescommunication between their device and the wireless network. Sometimes,however, the registration process may be intrusive.

Especially where access is not free, network users must provideextremely personal information to obtain access to such services. Manyusers are not comfortable providing credit card numbers, and the like toopen networks. Others desire complete anonymity with respect to theiractivities on the Internet. Further, merchants desire to increase theircustomer loyalty and the profits they derive from providing servicessuch as wireless network access to their customers. Thus, systems andmethods are needed that improve the process by which customers accesswireless networks at merchant locations and public facilities.

BRIEF SUMMARY OF THE INVENTION

Embodiments of the invention thus provide a method of providing networkaccess. The method includes entering network access information into amerchant device at a merchant location. The information relates to arequest from a customer to obtain network access. The method alsoincludes causing the information to be transmitted to a host computersystem from the merchant device, receiving a payment from the customer,receiving activation confirmation from the host computer system at themerchant device, and providing a presentation instrument to thecustomer. The presentation instrument may be used by the customer toobtain network access. The method further includes using thepresentation instrument to settle a transaction with the customer formerchandise.

In some embodiments, the merchant location may be a retail store,restaurant, airport, library, fast food establishment, coffee shop,bank, mall, office building, sports arena, apartment complex, airplane,automobile, hotel, e-commerce site, health club, and/or the like. Themerchant device may be a point-of-sale device, automated teller machine,kiosk, e-commerce server, vending machine, and/or the like. The networkaccess may relate to a wireless network operated from within themerchant location. The wireless network may be a Wireless Fidelity(WiFi) network, WiMAX network, 802.11a network, 802.11g network, 802.16network, 3G network. The merchant device may be a point-of-sale devicehaving a reader. Entering network access information into a merchantdevice may include using the reader to obtain information from thepresentation instrument. The reader may be a magnetic stripe reader, barcode reader, RFD reader, infrared reader, and/or the like. Receivingactivation confirmation from the host computer system may includereceiving an activation key code from the host computer system. Thepresentation instrument may be a card having a magnetic stripe, a cardhaving a smart chip, a radio frequency emitting device, a virtual card,a “key chain” card, an infrared device, and/or the like. Thepresentation instrument may include a scratch-off, password-revealingarea. Using the presentation instrument to settle a transaction with thecustomer for merchandise may include selling food or beverage to thecustomer.

In further embodiments, a system for providing network access includes ahost computing system in communication with at least one merchantdevice. The host computing system is configured to receive a requestfrom the merchant device to activate a network access presentationinstrument for a customer, verify the validity of the presentationinstrument, return an activation confirmation message to the merchantdevice, receive a request from a computing device of the customer toaccess a network, determine whether to allow the customer to access thenetwork based on a network access account balance relating to thepresentation instrument, and process a transaction for merchandisepurchased by the customer using the presentation instrument. The networkaccess may relate to a wireless network operated from within a merchantlocation.

In still further embodiments, the host computer system may be furtherconfigured to receive a request from the customer to convert loyaltyvalue to network access value, increase the network access accountbalance, and decrease the loyalty account balance by a factorcorresponding to an amount by which the network access account balanceis increased.

In additional embodiments, a method of providing network access includesreceiving a request from a merchant device to activate a network accesspresentation instrument for a customer, verifying the validity of thepresentation instrument, returning an activation confirmation message tothe merchant device, receiving a request from a computing device of thecustomer to access a network, determining whether to allow the customerto access the network based on an account balance relating to thepresentation instrument, and processing a transaction for merchandisepurchased by the customer using the presentation instrument. The methodmay include receiving a request from the customer to convert loyaltyvalue to network access value, increasing the network access accountbalance, and decreasing the loyalty account balance by a factorcorresponding to an amount by which the network access account balanceis increased.

In other embodiments a method of providing wireless network accessincludes entering network access information into a merchant device at amerchant location. The information relates to a request from a customerto obtain network access to a wireless network. The method includescausing the information to be transmitted to a host computer system fromthe merchant device, receiving a payment from the customer, receivingactivation confirmation from the host computer system at the merchantdevice, and providing a presentation instrument to the customer. Thepresentation instrument may be used by the customer to obtain networkaccess. The method may include using the presentation instrument tosettle a transaction for goods or services with the customer. The methodmay include receiving a request from the customer to add value to thepresentation instrument, receiving payment from the customer for theadditional value, and adding the value to the presentation instrument.The presentation instrument may be as virtual presentation instrument.

BRIEF DESCRIPTION OF THE DRAWINGS

A further understanding of the nature and advantages of the presentinvention may be realized by reference to the remaining portions of thespecification and the drawings wherein like reference numerals are usedthroughout the several drawings to refer to similar components. Further,various components of the same type may be distinguished by followingthe reference label by a dash and a second label that distinguishesamong the similar components. If only the first reference label is usedin the specification, the description is applicable to any one of thesimilar components having the same first reference label irrespective ofthe second reference label.

FIG. 1 illustrates a system for providing access according to embodimentof the invention.

FIG. 2 illustrates an exemplary presentation instrument that may be usedto access a network according to embodiments of the invention.

FIG. 3 illustrates a method of activating a network access presentationinstrument according to embodiments of the invention.

FIG. 4 illustrates a method of providing network access according toembodiments of the invention.

FIG. 5 illustrates an exemplary network access display screen.

FIG. 6 illustrates an exemplary account maintenance display screen.

DETAILED DESCRIPTION OF THE INVENTION

According to embodiments of the invention, merchants and other networkaccess providers provide customers with access to wireless networksthrough prepaid presentation instruments. Such presentation instrumentsinclude cards, fobs, mini-cards, “virtual” presentation instruments, andthe like. In some embodiments, the presentation instrument includes aninformation encoding area, capable of being read by a reader, that maybe used to activate the presentation instrument and/or to log on towireless networks. In some embodiments, the presentation instrument alsomay be used for purchases from merchants. In some embodiments, use ofthe presentation instrument may be combined with customer loyaltyprograms. For example, if a customer purchases merchandise, food,beverages, and/or services from the merchant, the customer may qualifyfor free or reduced rate network access.

The present invention is not limited to obtaining network access frommerchants. In some embodiments, public facilities, such as airports andlibraries, provide network access using similar or identical systems andmethods. Further, in some embodiments, many merchants may cooperate tooffer integrated services to their customers. Further still, in someembodiments, a wireless network access service provider may provide suchservice through a number of merchant locations and/or public facilities.Those skilled in the art will appreciate additional embodiments andequivalents in light of the disclosure herein.

Having described the present invention generally, attention is directedto FIG. 1, which illustrates one exemplary embodiment of a system 100according to the present invention. As will be explained in more detailhereinafter, the system 100 may be used to provide prepaid wirelessnetwork access. It should be understood that the examples used hereinrelate to accessing packet-based networks such as the Internet. However,this is not a requirement. The teachings herein may be applied toaccessing other types of networks, as is apparent to those skilled inthe art in light of this disclosure.

The system 100 includes a host computer system 102. The host computersystem 102 may include, for example, servers, personal computers,workstations, or other suitable computing devices. The host computersystem 102 includes application software that programs the host computersystem 102 to perform one or more functions according to the presentinvention. For example, application software resident on the hostcomputer system 102 may program the host computer system 102 to receiveand process prepaid wireless network access requests. In a specificembodiment, the host computer system 102 includes a loyalty programprocessor that tracks purchases made by customers and rewards them withpoints based on the purchases. The points may be redeemed for networkaccess, among other things.

The host computer system 102, may include one or more of theaforementioned computing devices, as well as storage devices such asdatabases, disk drives, optical drives, and the like. The host computersystem 102 may be fully located within a single facility or distributedgeographically, in which case a network may be used to integrate thehost computer system 102. Many other examples are possible and apparentto those skilled in the art in light of this disclosure. Thus, thisexample of a system 100 according to the present invention is not to beconsidered limiting.

The system 100 also includes a first communication network 104. Thefirst network 104 may be the Internet, an intranet, a wide area network(WAN), a local area network (LAN), a virtual private network, andcombination of the foregoing, or the like. The network 104 may includeboth wired and wireless connections, including optical links. In someembodiments, the network 104 is a transaction settlement network, suchas a credit card transaction processing network. In some embodiments,pre-paid wireless network access presentation instruments are activatedthrough the first network. Through the network 104, merchant devices 106communicate with the host computer system 102.

The merchant devices 106, typically located at merchant locations 107,may be any device capable of reading information from wireless networkaccess presentation instruments and transmitting the information througha communication link, such as the network 104, to a processing system,such as the host computer system 102. The information may be comprisedby a request for activating the presentation instrument. In someembodiments, the merchant devices 106 comprise a reader, such as a magstripe reader, a smart chip reader, a bar code reader, an infraredreader, an RFID reader, or the like, in combination with a computingdevice. In some embodiments, the merchant devices 106 comprisepoint-of-sale devices such as those more fully described in co-pending,commonly assigned U.S. patent application Ser. No. 10/116,68, entitled“SYSTEMS AND METHODS FOR PERFORMING TRANSACTIONS AT A POINT-OF-SALE,”filed Apr. 3, 2002, by Earney Stoutenburg, et al., which is acontinuation-in-part of U.S. Pat. No. 6,547,132, entitled “POINT OF SALEPAYMENT SYSTEM,” filed Aug. 9, 2000, by Randy J. Templeton, et al.,which is a non-provisional of U.S. Prov. App. No. 60/147,899, entitled“INTEGRATED POINT OF SALE DEVICE,” filed Aug. 9, 1999 by RandyTempleton, et al., the entire disclosures of which are hereinincorporated by reference for all purposes. In still other embodiments,the merchant devices 106 comprise specially-designed computing andreading devices for activating prepaid wireless network accesspresentation instruments. Merchant devices also may comprise kiosks,automated teller machines, vending machines, and the like. In someembodiments, the merchant device is an e-commerce server that providesthe merchant with a virtual storefront (e.g., e-commerce web site).Those skilled in the art will recognize equivalent devices in light ofthis disclosure.

The merchant devices 106 may be located at any of a wide variety ofmerchant locations 107. By way of example and not limitation, “merchantlocations” will be understood to include retail stores (e.g., bookstores and the like), food and beverage vendors (e.g., coffee shops,fast food establishments, restaurants, and the like), public facilities(e.g., airports, libraries, office building, sports arenas, apartmentcomplexes, hotels, airplanes, automobiles, cruise ships, malls, parks,and the like), and service providers (e.g., banks, health clubs,doctors' offices, and the like), among others. A “merchant location”also may be a web site or other virtual location.

The system 100 also includes a second network 108, which may be any ofthe aforementioned networks. The first network 104 and the secondnetwork 108 may be the same network, different networks, or portions ofa larger network. The second network 108 provides a connection betweenthe host computer system 102 and computing devices 109 at merchantlocations 107. In a specific embodiment, the second network is apacket-based data network, such as the Internet. Wireless hubs 111 atmerchant locations 107, allow customer computing devices 112 to accessthe second network 108. As those skilled in the art will appreciate thewireless hubs 111 may use and of a variety of wireless protocols,including 802.11b, 802.11a, 802.11g, 802.16, third generation 3G, orother appropriate communications protocol, which may be known by othercommon names such as Wireless Fidelity (WiFi), WiMAX, 3G, and the like.

The customer computing devices 112 may be, for example, laptop computers1124 or handheld computers 112-2. Many other examples are possible. Thedevices 112 may be equipped with network access cards that allow them tocommunicate with the network via the hub 111.

Attention is directed to FIG. 2, which illustrates an embodiment ofprepaid wireless network access presentation instrument 200 according toan embodiment of the invention. It is to be understood that thisembodiment of a presentation instrument is merely exemplary, and manyother examples are possible. For example, a network access presentationinstrument may be merely a number, and possibly a password and/orpersonal identification number, provided to a customer by a merchant.The number may be listed on a receipt or relayed verbally, for example.Other presentation instruments include RF fobs, “key chain” cards, andthe like. In this specific embodiment, the presentation instrument 200comprises what is commonly recognized as a “gift card” that is displayedat merchant locations attached to a card carrier. A customer desiring toobtain the service enabled by the presentation instrument 200 takes itto a cashier for payment and activation as will be described in moredetail below.

The presentation instrument 200 may be embossed with an access number202 and, in some embodiments, a logo 204, or brand. A back side 206 ofthe presentation instrument may include one or more information encodingregions, for example, a magnetic stripe 208 and/or a bar code 210. Theinformation encoding regions may be read by a point-of-sale device(e.g., the merchant device 106 described above with respect to FIG. 1)and/or a reader associated with a customer computing device. In someembodiments, the presentation instrument includes a password area 212.The password may be a scratch-off region that does not reveal thepassword while the presentation instrument 200 is displayed forpurchase.

Attention is directed to FIG. 3, which illustrates a first method 300 ofactivating a prepaid wireless network access presentation instrument(“access card” or “card” for convenience) according to an embodiment ofthe invention. At block 302, a customer presents an access card to amerchant for purchase and activation. The card may be any type ofinstrument that represents the service to be provided. For example, thecard may be a stored value card, a radio frequency identification (RFID)card, a smart chip card, a bar-coded card, and the like. The card may beused to access a specific wireless network or may be used to accessseveral different networks.

In one embodiment, the “card” comprises a receipt that the customerreceives at the conclusion of the transaction. The receipt has accessinformation that the customer then may use to obtain network access. Insome embodiments, the customer may be given the access informationverbally or electronically, in which case no physical medium isinvolved. Thus, in some examples, presenting an access card to amerchant for purchase and activation comprises simply requesting such atransaction from the merchant without physically presenting anything tothe merchant.

In another embodiment, presenting an access card to a merchant forpurchase and activation comprises making a selection from an ecommercemerchant (e.g., placing the selection in an electronic shopping cart)and “checking out” via any of a number of well known systems for doingsuch. In yet another example, presenting an access card to a merchantfor purchase and activation comprises requesting network access via atelephone operator or TRU. In another embodiment, presenting an accesscard to a merchant for purchase and activation comprises requesting apresentation instrument from an automated teller machine or kiosk. Otherexamples are possible.

At block 304, the merchant enters transaction information relating tothe service requested by the customer into a POS. The transactioninformation may include an access number, which may be any number thatuniquely identifies the service to be provided to this specificcustomer. The access number may be a unique number on a physical card(see, e.g., access number 202 of FIG. 2) that the customer presents tothe merchant. In other embodiments, the transaction informationcomprises a product SKU# that represents the service the customer isrequesting. This example will be described more fully immediately below.

In this specific example, a customer requests 40 hours of wirelessnetwork access from an attendant at a coffee shop. The attendant looksin a SKU# book and finds a listing of several services or promotionsavailable for purchase by customers. In the “wireless network access”section, the attendant selects “40 hours” from a list of levels ofaccess. Other levels may include, for example, 90 days, 12 years, 50megabytes, and the like, each of which service or promotion may have aunique SKU#. The attendant then enters the unique SKU# for 40 hours ofwireless network access into the POS. In other examples, the SKU# mayrepresent the service (e.g., wireless network access) in which case, thePOS may prompt the attendant to enter the level of service by selectingfrom a menu. Many other variations on this example are possible.

The information may be entered into the POS in any of a number of ways.If the “card” is a physical object, then the card may be interfaced tothe POS in any of a number of ways. The card may be “swiped” through areader, a bar code on the card may be scanned, the card may be placed inthe vicinity of an RFID reader an infrared reader, and the like. In oneembodiment, the merchant may use a bar code reader to scan a SKIM in aSKU# book such as in the specific example described in detail above.

In some embodiments, the transaction information entered by the merchantalso includes payment information. For example, if a customer ispurchasing a gift card for accessing a wireless network and is payingusing a credit card, then the transaction may comprise first swiping thegift card, then swiping the customer's credit card. Those skilled in theart will recognize many variations on this example in light of theteachings herein.

Once the transaction information is entered into the POS, the POS sendsthe transaction information to a host computer system at block 306. Ifthe transaction information contained a unique access number, then thehost confirms the validity of the number. If the transaction informationcontained only a generic SKU#, then the host computer system maygenerate a unique access number for the customer. This may include bothan access number and a key number (e.g., password) to be used by thecustomer in combination with the access number to obtain the service.

If the transaction information included a number requiring validation,the host computer returns verification of validity at block 308. Atblock 310, the merchant accepts payment for the service, then confirmsto the PUS that the payment was received at block 312. At block 314, thehost computer confirms activation of the card and stores data thatindicates the card as being active.

As stated previously, block 304, 306, 308, 312, and 314 may be reducedto a two-step process wherein the merchant swipes a card and identifiesthat the customer has tendered payment (e.g., in cash). Thereafter, thehost computer returns confirmation of activation. Many other suchexamples are possible.

In some embodiments, confirming activation of the card may comprisesending a unique access number and password to the POS. The PUS then maybe used to print a receipt with the access information. In otherembodiments, the POS may print an access card. The access card may beany of the previously mentioned access cards. In some embodiments, theactivation process is completed in real time or near real time, thusallowing the customer to instantly access the service. In someembodiments, activation in real time means instantly (e.g., within about5 seconds), near instantly, and/or with no pre-programmed or intentionaldelays.

If the customer is acquiring prepaid network access through an ecommercemerchant, catalog mail order operator, TRU, or the like, then the accessinformation may be provided in any of a number of ways. In someexamples, the merchant mails a physical card to the customer. In otherembodiments, an operator or TRU provides the access information to thecustomer verbally. In still other embodiments, the access information isdisplayed on the customer's computer screen. Other examples arepossible, and one does not necessarily preempt the other. For example,if the customer orders a card on line (e.g., via the Internet or WorldWide Web), the access information may be displayed for the customerwhile the card is mailed.

Having described a method of activating a prepaid wireless networkaccess card, attention is directed to FIG. 4 in combination with FIGS. 5and 6, which illustrate a method 400 of using a card to access awireless network and exemplary display screens that may be used to enternecessary information and administer an account. At block 402, thecustomer requests access to the network using a computing device, suchas a laptop computer, PDA, or the like. In a specific embodiment, thiscomprises using a wireless network access card of the computing deviceto detect a wireless network at a merchant location. In doing so, thecustomer may open a web browser on the computing device and have limitedaccess to a service provider (e.g., an ISP). The service provider causesthe network access display screen 500 of FIG. 5 to be displayed on thecustomer's computing device. The display screen serves as a gateway forthe customer to the network.

At block 404, the customer enters access information. In someembodiments, this comprises entering information via a keypad into dataareas on the display screen 500. For example, the customer may enter theaccess number 202 from the presentation instrument into the accessnumber data field 502 and a key code (e.g., password) into the passworddata field 504. In other embodiments, this comprises using a reader(e.g., a magnetic stripe reader) to read information from a presentationinstrument. In other examples, this comprises doing a combination ofthings such as reading information from the card followed by keying inadditional access information, such as via a keypad. Other examples arepossible.

At block 406, the service provider transmits the network accessinformation to a host computer system 102. The network accessinformation may comprise the unique identifier given to the customer,the access number on the card, and the like. The network accessinformation also may include the customer's password, if used.

At block 408, the host computer system accesses its stored informationto determine if the network access information is valid. The hostcomputer system responds to the service provider at block 410. If theinformation is valid, the service provider allows the customer to accessthe network at block 412. If not, the service provider may allow thecustomer to obtain access at block 414 in previously-known ways.Otherwise, the service provider may simply deny the customer access atblock 418.

Thereafter, the service provider and host computer system may cooperateto keep track of the customer's balance. This may be accomplished in anumber of ways. For example, the customer may have purchased a finitenumber of megabytes of access, a finite number of minutes, and/or afinite access period. In either case, the service provider may sendinformation to the host computer system that allows the host computersystem to appropriately adjust the customer's balance. The host computersystem then may use this information in the future to determine whetherthe customer should be given access to the network. Keeping track of thecustomer's declining balance is reflected as block 416 in FIG. 2.

Maintaining the customer's balance at block 216 may include keepingtrack of the customer's purchases using the presentation instrument. Forexample, if the customer makes purchases at the merchant location usingthe presentation instrument, the host computer system may credit thecustomer with loyalty points. Thereafter, the customer may redeem thepoints for other items, include additional network access.

In a specific embodiment relating to using a presentation instrument ata merchant location, the customer swipes the presentation instrumentthrough a reader at the merchant location (or otherwise interfaces thepresentation instrument with a reader or enters virtual presentationinstrument into a reader) to initiate a session. The customer thenaccesses the network for a desired length of time. At the conclusion ofthe desired length of time, the customer ends the session by swiping thecard. The host computer system or the merchant device calculates thesession time and appropriately adjusts the customer's balance.

FIG. 6 illustrates an account maintenance display screen 600. Thedisplay screen 600 includes a number of buttons for accomplishingvarious functions. For example, using the display screen 600, thecustomer may change his password 602, check his network access accountbalance 604, add value to his presentation instrument 606, check hisloyalty point balance 608, redeem points for network access or otheritems 610, and view offers from the merchant or service provider 612.Those skilled in the art will appreciate that this is but one example ofhow accounts may be administered in accordance with embodiments of theinvention. For example a customer may call an interactive voice responseunit (IVR) or telephone response unit (TRU) to accomplish any or all ofthe aforementioned account maintenance functions.

Having described several embodiments, it will be recognized by those ofskill in the art that various modifications, alternative constructions,and equivalents may be used without departing from the spirit of theinvention. For example, those skilled in the art will realize that theteachings herein are not limited to wireless, packet-based networks.Additionally, a number of well known processes and elements have notbeen described in order to avoid unnecessarily obscuring the presentinvention. For example, those skilled in the art know how to arrangecomputing devices into a network and configure communication among them.Accordingly, the above description should not be taken as limiting thescope of the invention, which is defined in the following claims.

1-30. (canceled)
 31. A method of providing network access, the methodcomprising: entering, at a host computer system, network accessinformation into a merchant device at a merchant location, theinformation relating to a request from a customer to obtain access by adevice of the customer to an access point; causing, by the host computersystem, the information to be transmitted to a host computer system fromthe merchant device; receiving, at the host computer system, a paymentfrom the customer for the network access to the access point; receiving,at the host computer system, activation confirmation from the hostcomputer system at the merchant device; in response to receiving theactivation confirmation, providing, by the host computer system, anaccess code to the customer, wherein the access code is used by thecustomer to obtain the network access for the device, wherein access tothe access code is funded by the payment from the customer; and using,at the host computer system, the access code by the customer to obtainthe network access to the access point.
 32. The method of claim 31,wherein the merchant location comprises a selection from the groupconsisting of retail store, restaurant, airport, library, fast foodestablishment, coffee shop, bank, mall, office building, sports arena,apartment complex, airplane, automobile, hotel, e-commerce site, andhealth club.
 33. The method of claim 31, wherein the merchant devicecomprises a selection from the group consisting of point-of-sale device,automated teller machine, kiosk, e-commerce server, and vending machine.34. The method of claim 31, wherein the network access relates to awireless network operated from within the merchant location.
 35. Themethod of claim 34, wherein the wireless network comprises a selectionfrom the group consisting of Wireless Fidelity (WiFi) network, WiMAXnetwork, 802.11a network, 802.11g network, 802.16 network, and 3Gnetwork.
 36. The method of claim 31, wherein the merchant devicecomprises a point-of-sale device having a reader.
 37. The method ofclaim 36, wherein entering network access information into a merchantdevice comprises using the reader to obtain information from thepresentation instrument.
 38. The method of claim 36, wherein the readercomprises a selection from the group consisting of magnetic stripereader, bar code reader, RFID reader, and infrared reader.
 39. Themethod of claim 31, wherein receiving activation confirmation from thehost computer system comprises receiving an activation key code from thehost computer system.
 40. The method of claim 31, wherein thepresentation instrument comprises a selection from the group consistingof a card having a magnetic stripe, a card having a smart chip, a radiofrequency emitting device, a virtual card, a “key chain” card, and aninfrared device.
 41. The method of claim 31, wherein the presentationinstrument comprises a scratch-off, password-revealing area.
 42. Themethod of claim 31, wherein using the presentation instrument to settlea transaction with the customer for merchandise comprises selling foodor beverage to the customer.
 43. A system for providing network access,the system comprising: a computer processor; and a memory device incommunication with the computer processor having sets of instructionsstored thereon which, when executed by the computer processor, cause thecomputer processor to: enter network access information into a merchantdevice at a merchant location, the information relating to a requestfrom a customer to obtain access by a device of the customer to anaccess point; cause the information to be transmitted to a host computersystem from the merchant device; receive a payment from the customer forthe network access to the access point; receive activation confirmationfrom the host computer system at the merchant device; in response toreceiving the activation confirmation, provide an access code to thecustomer, wherein the access code is used by the customer to obtain thenetwork access for the device, wherein access to the access code isfunded by the payment from the customer; and use the access code by thecustomer to obtain the network access to the access point.
 44. Thesystem of claim 43, wherein the merchant location comprises a selectionfrom the group consisting of retail store, restaurant, airport, library,fast food establishment, coffee shop, bank, mall, office building,sports arena, apartment complex, airplane, automobile, hotel, e-commercesite, and health club.
 45. The system of claim 43, wherein the merchantdevice comprises a selection from the group consisting of point-of-saledevice, automated teller machine, kiosk, e-commerce server, and vendingmachine.
 46. The system of claim 43, wherein the network access relatesto a wireless network operated from within the merchant location.
 47. Anon-transitory computer-readable medium for providing network accesshaving sets of instructions stored thereon which, when executed by acomputer, cause the computer to: enter network access information into amerchant device at a merchant location, the information relating to arequest from a customer to obtain access by a device of the customer toan access point; cause the information to be transmitted to a hostcomputer system from the merchant device; receive a payment from thecustomer for the network access to the access point; receive activationconfirmation from the host computer system at the merchant device; inresponse to receiving the activation confirmation, provide an accesscode to the customer, wherein the access code is used by the customer toobtain the network access for the device, wherein access to the accesscode is funded by the payment from the customer; and use the access codeby the customer to obtain the network access to the access point. 48.The non-transitory computer-readable medium of claim 47, wherein themerchant device comprises a point-of-sale device having a reader. 49.The non-transitory computer-readable medium of claim 47, whereinreceiving activation confirmation from the host computer systemcomprises receiving an activation key code from the host computersystem.
 50. The non-transitory computer-readable medium of claim 47,wherein the presentation instrument comprises a selection from the groupconsisting of a card having a magnetic stripe, a card having a smartchip, a radio frequency emitting device, a virtual card, a “key chain”card, and an infrared device.